{"took":66,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":195,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2996246","_score":17.431545,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Both XXXX and TransUnion are showing my consolidated student loans listed twice. The accounts before consolidation are still listed as open and the consolidated loan is accurately showing as open but the combination has doubled the amount of debt showed that I owe by over {$100000.00} I have contacted TransUnion several times to resolve this issue in which my student loans are showing up twice on my report. I called twice about this, never received follow up by mail, and tried to check the status of my dispute online. When I finally got into their website after receiving several \" system is down '' error messages their dispute site shows no record of my dispute. It also says there is a button you can click on to submit a new dispute which is not present ( included in attachments below ). The site is inaccurate, not user-friendly, and does not even do what it says it is supposed to. I do not believe from their website or customer service options they have the slightest interest in accurately reporting my information. \n\nAdditionally, I track my score using XXXX through my XXXX Credit card account and today my score dropped two points ( -2 ) because it shows my amount of debt increased, when in fact it decreased. The amount they even show themselves went from {$260000.00} to {$260000.00}, a decrease of {$150.00}. Given the extent of the error in the first paragraph, this may seem minor but I am trying very hard to rebuild my credit and can not fathom a situation in which someone pays off debt and their credit score goes down!!","date_sent_to_company":"2018-08-20T16:21:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"22030","tags":null,"has_narrative":true,"complaint_id":"2996246","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-08-20T15:41:05.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I called <em>twice</em> about this, never received follow up by mail, and tried to check the status of my <em>dispute</em> online. <em>When</em> I <em>finally</em> got into their website after receiving several \" system is down '' <em>error</em> messages their <em>dispute</em> site shows no record of my <em>dispute</em>. It also says there is a button you can click on to submit a new <em>dispute</em> which is not present ( included in attachments below ). The site is inaccurate, not user-friendly, and does not even do what it says it is supposed to."],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[17.431545,"2996246"]},{"_index":"complaint-public-v1","_id":"5618572","_score":17.195932,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I made 4 disputes to TransUnion about an account with XXXX XXXX credit that was charged off and closed that still showed open from XX/XX/XXXX to XX/XX/XXXX. The account was closed but started reporting as open XX/XX/XXXX. My credit score dropped over XXXX points because of the error. I reported it XX/XX/XXXX, it still showed open. It was finally fixed in XX/XX/XXXX and showed closed but my score did not change. I was penalized twice from the initial charge off in XXXX and again XX/XX/XXXX when it was reported as open and lost over XXXX points in my credit score because of the error. I have asked them to fix it several times. It reports that its been fixed, but what about my credit score?","date_sent_to_company":"2022-05-28T01:29:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"5618572","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-05-28T01:06:07.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I was penalized <em>twice</em> from the initial charge off in XXXX and again XX/XX/XXXX <em>when</em> it was reported as open and lost over XXXX points in my credit score because of the <em>error</em>. I have asked them to fix it several times. It reports that its been fixed, but what about my credit score?"],"sub_issue":["Problem with personal statement of <em>dispute</em>"]},"sort":[17.195932,"5618572"]},{"_index":"complaint-public-v1","_id":"2950742","_score":16.883928,"_source":{"product":"Mortgage","complaint_what_happened":"The mortgage was originally opened in XX/XX/XXXX and was service released to Carrington Mortgage in XX/XX/XXXX. I heard of no issues during this transfer as all payments were automated. Once it got transferred over to Carrington i did not have visibility to the account and was not reporting on my credit report like it was supposed to. I faxed a letter into their research department that only communicates through fax or mail. It finally started showing up a couple weeks ago and it showed that it was 30 days late. Once in finally got portal access into Carrington the first payment reported was on XX/XX/XXXX, and then the next payment was shown for XX/XX/XXXX, but the next payment due date was for XX/XX/XXXX for twice the normal amount, and i noticed this on XX/XX/XXXX. There is some billing system error that needs to be corrected as everything should be current and ontime with the next payment being in XX/XX/XXXX. When i tried to contact Carrington to discuss this, the reps on the phone could not do anything and they just tell me to fax or mail in the dispute and wait. For this kind of error, i would hope they would be willing to work with the customer to fix it, since it is on their end.","date_sent_to_company":"2018-07-02T05:34:03.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"63304","tags":null,"has_narrative":true,"complaint_id":"2950742","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2018-07-02T00:37:16.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>When</em> i tried to contact Carrington to discuss this, the reps on the phone could not do anything and they just tell me to fax or mail in the <em>dispute</em> and wait. For this kind of <em>error</em>, i would hope they would be willing to work with the customer to fix it, since it is on their end."]},"sort":[16.883928,"2950742"]},{"_index":"complaint-public-v1","_id":"3012214","_score":16.82098,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I just spent 2 and a half attempts on Equifax 's direct dispute website attempting to upload documents and directly dispute an account that is being reported on my credit report that is false, mixed and belongs to someone else. I am so frustrated because I got an ERROR twice when I finally go to the end of my disputes and then I attempted to do it for a third time and they lied and said my information was wrong and I no longer could do anything anymore. I feel as though Equifax is deliberately ignoring me. they keep asking me for NEW information that I CAN NOT give the because the account I have been disputing is fraud an not mine. I do not hold an XXXX account I have a XXXX account under my address and I finally I understand that someone is using my social and identity with a different utility company. something is very off and Equifax doesn't care ... .HOW is this account a charge off/bad debt when it is a utility bill? it is not an extension of credit why does it look like a credit card? \n\nI put in this complaint the error notices and I need the CFPB to know I had tp answer the security questions 3 times! I had to start over three times before I gave up. Also, I noticed that Equifax is allowing this company to keep reporting new false and negative info even after it is claimed this account is 'charged off ' 'closed '. this is the most unbelievable situation ever. please reference back my complaints which started in XX/XX/XXXX","date_sent_to_company":"2018-09-06T19:59:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90036","tags":null,"has_narrative":true,"complaint_id":"3012214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-09-06T19:35:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I just spent 2 and a half attempts on Equifax 's direct <em>dispute</em> website attempting to upload documents and directly <em>dispute</em> an account that is being reported on my credit report that is false, mixed and belongs to someone else. I am so frustrated because I got an <em>ERROR</em> <em>twice</em> <em>when</em> I <em>finally</em> go to the end of my <em>disputes</em> and then I attempted to do it for a third time and they lied and said my information was wrong and I no longer could do anything anymore."]},"sort":[16.82098,"3012214"]},{"_index":"complaint-public-v1","_id":"3159249","_score":16.222559,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Problem with XXXX XXXX. They treat verifiable 3rd party banking errors as late payments and do not respond to complaints even when written proof has been provided. \n\nTo insure my payment was never late I set up automatic payments through XXXX XXXX for my Fidelity credit card ( they manage it ). It worked fine for years. Then a third-party accounting firm accidentally shut down the wrong bank account - mine - the one XXXX XXXX had been pulling payments from. XXXX XXXX tried to pull the payment as usual but the account had vanished. When XXXX finally contacted me a few days later and informed me of the problem I paid the amount instantly right there on the phone. \n\nAll of this happened outside of my knowledge or control and was the result of a banking error. I have a letter from the firm responsible admitting their error. I have provided this letter as proof to XXXX XXXX twice but they have never responded to my written disputes. Experian states the file was updated, but it was not. \n\nI would like the XXXX late notice removed from my credit report because it is not a reflection of reality, my ability to pay on time, or my credit-worthiness.","date_sent_to_company":"2019-02-21T17:50:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94941","tags":null,"has_narrative":true,"complaint_id":"3159249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-02-21T17:50:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>When</em> XXXX <em>finally</em> contacted me a few days later and informed me of the problem I paid the amount instantly right there on the phone. \n\nAll of this happened outside of my knowledge or control and was the result of a banking <em>error</em>. I have a letter from the firm responsible admitting their <em>error</em>. I have provided this letter as proof to XXXX XXXX <em>twice</em> but they have never responded to my written <em>disputes</em>. Experian states the file was updated, but it was not."]},"sort":[16.222559,"3159249"]},{"_index":"complaint-public-v1","_id":"4201713","_score":15.947338,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021, I signed up for Experian 's credit monitoring service for $ XXXX and was not allowed to dispute my credit information online. I tried to dispute online several ways, and was repeatedly given a message that Experian would not process online disputes, due to \" security issues. '' I called Experian twice to request that they enable online dispute of incorrect credit information on my credit report, and both times their phone tree hung up on me. When I finally did reach a service representative, he did not know why Experian 's online dispute function was not working, and he had no interest in finding out. \n\nI believe that Experian has intentionally disabled its online dispute mechanism to cut down the number of disputes. I believe this because when I XXXX \" why won't experian dispute online '' I found many comments from consumers who were frustrated with Experian 's refusal to allow online disputes. There are multiple errors in the personal information in my Experian credit report. With XXXX and XXXX, I was easily able to dispute information online. I am asking the CFPB to hold Experian accountable, and make it easy to dispute information online.","date_sent_to_company":"2021-03-10T22:53:25.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"97214","tags":null,"has_narrative":true,"complaint_id":"4201713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-03-10T22:38:35.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["<em>When</em> I <em>finally</em> did reach a service representative, he did not know why Experian 's online <em>dispute</em> function was not working, and he had no interest in finding out. \n\nI believe that Experian has intentionally disabled its online <em>dispute</em> mechanism to cut down the number of <em>disputes</em>. I believe this because <em>when</em> I XXXX \" why won't experian <em>dispute</em> online '' I found many comments from consumers who were frustrated with Experian 's refusal to allow online <em>disputes</em>."]},"sort":[15.947338,"4201713"]},{"_index":"complaint-public-v1","_id":"17757111","_score":15.548967,"_source":{"product":"Prepaid card","complaint_what_happened":"NOT A DUPLICATE! I am filing a complaint against Cash App. I purchased XXXX pumps from The XXXX XXXX listed as a ( womens ) size XXXX, as listed. However, the item I received is a XXXX. It was also listed as being in good condition. The condition is fair. There is SIGNIFICANT wear to the soles. This is a material misrepresentation of the product. \nI contacted The XXXX immediately after delivery and provided photos documenting the size discrepancy. I also noted that the condition did not match the listing. I communicated this in writing on XX/XX/XXXX. Twice, since I followed up. They never responded. I called twice and after waiting an hour to speak to someone, their excuse was that I should be able to fit since its half a size but I could return it at a loss. Despite the clear merchant error, The XXXX attempted to charge me a return shipping and processing fee of {$15.00}. This fee would deducted from my refund even though the reason for return was the companys mislabeling of the product. I refused and they went silent. \nIt is inappropriate to try and charge a return fee when they are responsible for the discrepancy! \nI finally tried to dispute with Cashapp and they refused to pursue it past XXXX  days even though I have had no luck with the months Ive been arguing with The XXXX XXXX.","date_sent_to_company":"2025-12-04T21:14:00.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"07047","tags":"Servicemember","has_narrative":true,"complaint_id":"17757111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-12-04T21:06:53.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["It is inappropriate to try and charge a return fee <em>when</em> they are responsible for the discrepancy! \nI <em>finally</em> tried to <em>dispute</em> with Cashapp and they refused to pursue it past XXXX  days even though I have had no luck with the months Ive been arguing with The XXXX XXXX."],"sub_issue":["Card company isn't resolving a <em>dispute</em> about a purchase or transfer"]},"sort":[15.548967,"17757111"]},{"_index":"complaint-public-v1","_id":"21907792","_score":15.397699,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding my banks failure to properly handle a dispute under Regulation E.\n\nI rented a vehicle for {$450.00} with a {$250.00} security deposit. The merchant initially double charged me and later issued a credit. I contacted the merchant to extend the rental and was told the credit would be applied.\n\nShortly after, the vehicle was remotely disabled twice, leaving me stranded in 102-degree weather. This made the vehicle unusable and the service I paid for was not properly delivered.\n\nI attempted to contact the merchant multiple times via phone and text and received no response for several days. When I finally reached them, they refused to honor the agreement and are now attempting to charge me for a full week, including time when I did not have access to the vehicle.\n\nI disputed the transaction with my bank and requested provisional credit. It has been over 45 days, and the bank continues to state they do not know how long it will take and has not issued provisional credit.The total amount is {$720.00} Under Regulation E, financial institutions are required to complete an investigation within the required timeframe or issue provisional credit. The bank has failed to provide a clear timeline, has delayed issuing provisional credit, and has not properly handled this as an error involving services not rendered.\n\nI am requesting : Immediate provisional credit for the full disputed amount. The total amount is {$720.00} A full investigation in compliance with Regulation E A refund of all charges related to this transaction, including the security deposit This situation involves both billing error and failure to provide services, and the merchants actions created a safety issue when the vehicle was disabled.\n\nThe banks delay in handling this dispute is unacceptable.It has been over 45 days since I filed the dispute, and the bank has not issued provisional credit or completed a proper resolution. I am repeatedly told they do not know how long it will take.\n\nI have attached proof : Day 1 : Rental + double charge Day X : Called to extend ( approved ) Same day : Car shut off ( twice ) Next 4 days : No response Later : Merchant refuses refund","date_sent_to_company":"2026-05-05T20:53:05.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30157","tags":null,"has_narrative":true,"complaint_id":"21907792","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2026-05-05T20:09:24.000Z","state":"GA","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["<em>When</em> I <em>finally</em> reached them, they refused to honor the agreement and are now attempting to charge me for a full week, including time <em>when</em> I did not have access to the vehicle.\n\nI <em>disputed</em> the transaction with my bank and requested provisional credit."]},"sort":[15.397699,"21907792"]},{"_index":"complaint-public-v1","_id":"10779816","_score":15.241411,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Duty to Report Accurate Information ( 15 U.S.C. 1681s-2 ) : Section 1681s-2 ( a ) : This section requires that furnishers of information ( like mortgage companies ) only report accurate information to the credit bureaus. If they report inaccurate information knowingly or if they fail to correct the error when notified, they may be in violation of this law.\n\nDuty to Investigate Disputes ( 15 U.S.C. 1681s-2 ( b ) ) : When a consumer disputes the accuracy of information, the furnisher ( in this case, the mortgage company ) must conduct a reasonable investigation. If they fail to investigate or do not update inaccurate or incomplete information, they could be in violation of this provision.\n\nThe law requires the furnisher to correct or delete inaccurate, incomplete, or unverifiable information after the investigation.\n\nDuty to Update and Correct Information ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must promptly update or correct information that is incomplete or inaccurate once they become aware of the issue. Failure to do so could be another violation.\n\nThe company 's payment portal was down for several of my attempts when I tried to pay. I have had to call in my payments due to errors. I called in twice and received no response. When I finally got someone to fix my payment method via phone, the autopay didn't update with it. When I called again to ask why my payment was considered late, they set up my autopay but after hurting my score. The company also stated that they didn't receive many of my calls which I have record of.","date_sent_to_company":"2024-11-14T02:14:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37138","tags":null,"has_narrative":true,"complaint_id":"10779816","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PROVIDENT FUNDING ASSOCIATES","date_received":"2024-11-14T01:34:47.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The company 's payment portal was down for several of my attempts <em>when</em> I tried to pay. I have had to call in my payments due to <em>errors</em>. I called in <em>twice</em> and received no response. <em>When</em> I <em>finally</em> got someone to fix my payment method via phone, the autopay didn't update with it. <em>When</em> I called again to ask why my payment was considered late, they set up my autopay but after hurting my score. The company also stated that they didn't receive many of my calls which I have record of."]},"sort":[15.241411,"10779816"]},{"_index":"complaint-public-v1","_id":"14347301","_score":14.951494,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My phone and purse with my information stored in my phone and important information in my purse. When i finally was able to get me another phone I immediately checked all my accounts that could potentially be scammed. When I checked chime. I noticed XXXX transactions back to back sent to a person that wasnt stored in my contacts which they sent money from cash app to chime then proceeded with the transactions. I immediately contacted chime and they stated the see the fraudulent transactions and that they were deeply sorry and would do anything to help me resolve the case. After XXXX day they stated they thoroughly investigated and no error was made. I then called them stating i have police reports and its evident that its been scammed because i havent used chime in forever maybe once since the account been opened. I then disputed the claim twice but still same response. I even sent them screenshots of multiple attempts on my cash app but still same response. I then read multiple reviews with chime failing to reimburse customers money with evident fraudulent activities going on and falsely investigating claims. I really do hope you can help with my situation. Thanks.","date_sent_to_company":"2025-06-28T13:54:19.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"53225","tags":null,"has_narrative":true,"complaint_id":"14347301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-06-28T13:48:20.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After XXXX day they stated they thoroughly investigated and no <em>error</em> was made. I then called them stating i have police reports and its evident that its been scammed because i havent used chime in forever maybe once since the account been opened. I then <em>disputed</em> the claim <em>twice</em> but still same response. I even sent them screenshots of multiple attempts on my cash app but still same response."]},"sort":[14.951494,"14347301"]},{"_index":"complaint-public-v1","_id":"7139431","_score":14.554943,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Due to a technical glitch, Comenity Bank is claiming I did not pay my XXXX XXXX Credit Card balance of {$190.00} on XX/XX/XXXX. They say they attempted to charge my bank account on XXXX it was \" returned ', and then they submitted the payment again on XXXX. However, my bank statement shows that the payment successfully posted to my bank account twice on XXXX When I became aware of this double charge to my bank account I called Comenity Bank on XXXX and they denied having any record of being paid twice, and advised I call my bank to dispute. I called my bank to dispute and they resolved it on their end. They requested a refund of the second payment from Comenity to resolve it. However, instead of Comenity fixing my XXXX credit Card account to note that they were paid double/twice the amount of my bill on XXXX, as my bank informed them, they instead added a new charge to my XXXX Credit Card of {$190.00} on XX/XX/XXXX. So because they gave my bank money back,, and do not acknowledge that they were paid twice, they are essentially saying I never paid and owe the original amount plus months of late fees. To make matters worse, I was not aware of any of this until XXXX XXXX. Not having received any statements after making my payment on XX/XX/XXXX, in XXXX of XXXX I was surprised to receive a message on my phone stating that I owe money to XXXX when I thought I was paid IN FULL. When I called to resolve they stated that they had called me over 16 times, and sent letters, of which I had no records of either. They said I had over {$190.00} in late fees, which they credited back when they realized they had an incorrect address for me, but said I still owed {$190.00} plus other late fees. After hours on the phone with them, being hung up on by their dispute department more times that I can count, despite being exceptionally patient, they finally told me I could submit my bank statement to show that I paid twice on XXXX  Even after submitting my bank statement & dispute, XXXX refuses to acknowledge their glitch and error that there was no \" return '' on XXXX, and still insist I owe them {$190.00} plus additional late fees that have accrued since the \" refund '' requested by my bank in XXXX. I also found out that my previously pristine credit score of over 800 has been significantly reduced due to this single issue. In XXXX they sent me a letter stating my \" request for a credit '' was received and they were providing me a credit of {$93.00}. When I called Comenity to understand where that number came from, XXXX Credit Card staff told me they did not understand what the credit was even for. They told me that I can only mail another dispute. At this time I researched Comenity and found that they have a XXXX XXXX XXXX rating of XXXX, and hundreds of similar complaints. I filed a complaint in XXXX of XXXX with the XXXX XXXX XXXX and was told by them that Comenity will respond to me directly. I have yet to receive a response from Comenity, now more than 60 days after submitting the complaint. They refuse to take responsibility for their glitch and have significantly harmed my credit. See attachments for supporting documentation and a more detailed explanation.","date_sent_to_company":"2023-06-19T06:13:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"85029","tags":null,"has_narrative":true,"complaint_id":"7139431","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2023-06-19T05:15:10.000Z","state":"AZ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["After hours on the phone with them, being hung up on by their <em>dispute</em> department more times that I can count, despite being exceptionally patient, they <em>finally</em> told me I could submit my bank statement to show that I paid <em>twice</em> on XXXX  Even after submitting my bank statement & <em>dispute</em>, XXXX refuses to acknowledge their glitch and <em>error</em> that there was no \" return '' on XXXX, and still insist I owe them {$190.00} plus additional late fees that have accrued since the \" refund '' requested by my bank"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.554943,"7139431"]},{"_index":"complaint-public-v1","_id":"4419414","_score":13.938512,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Over the last few years several debt collection agencies have registered an unpaid debt to XXXX XXXX with XXXX. In the past I challenged this debt ( twice ) and it was immediately dropped since I have never done business with XXXX XXXX. ( I don't believe they even do business in my region. ) Sequium Asset Solutions apparently bought the debt and has placed it back on my credit report. I have disputed this several times to no effect. I have called numerous times. Upon my fifth try I was able to speak with a representative who handles the \" XXXX  file '' to address this matter ; but when I would not give him my full SS # he declined to help other than refer me to an email address. \n\nI contacted the Sequium e-mail address to handle complaints. After three attempts ( with my SS # ), they finally answered that \" they have no record of this account ''. Yes, I have the e-mail. Subsequently they have never responded to my e-mails nor phone calls. \n\nAfter several more requests by XXXX, they still can not be bothered to remove this from my credit report. \n\nIn closing, FYI, my credit report is spotless other than this error that Sequium Asset Solutions refuses to address.","date_sent_to_company":"2021-05-31T23:12:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"119XX","tags":"Older American","has_narrative":true,"complaint_id":"4419414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sequium Asset Solutions, LLC","date_received":"2021-05-31T22:38:51.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In the past I challenged this debt ( <em>twice</em> ) and it was immediately dropped since I have never done business with XXXX XXXX. ( I don't believe they even do business in my region. ) Sequium Asset Solutions apparently bought the debt and has placed it back on my credit report. I have <em>disputed</em> this several times to no effect. I have called numerous times."]},"sort":[13.938512,"4419414"]},{"_index":"complaint-public-v1","_id":"13386127","_score":13.712738,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Dispute Department : I am writing to inform you of a error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). \nAccount Name : XXXX XXXX XXXX Account Number : XXXX and XXXX Description of Dispute : ( I.e. - I never had this card or account number. My account number was XXXX. XXXX is saying that this is a new account because of an internal error. When I talk to them today, XX/XX/XXXX they said the secure card was secured at {$300.00}. They said they would send me the documents by mail within 30 days. XXXX has not sent anything by mail to me. I open the original account with {$2500.00} secured payment. I closed the account in XX/XX/XXXX at the XXXX branch. There was {$2400.00} balance when she closed the account which released {$2500.00} from my checking account to pay the balance. I thought this was done because in the app it showed XXXX on the card and my checking account had {$110.00} dollars left. In XXXX collection agency called me saying this balance was due but they afford a settlement of XXXX. Which I said no this is paid. We went around and around and finally someone found the payment for {$2400.00} in XXXX of XXXX when I contact XXXX. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the XXXX late payments are an error. They have changed account numbers, which Equifax is reporting twice, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place. I have asked for the information multiple times showing that I am wrong and they have not provided it. \n\nNow on Equifax and XXXX it is saying I missed XX/XX/XXXX payment and marked it as 30 days late even though the account has been closed since XXXX. \n\nI am requesting that you remove this information from my credit report for Inaccurracy Thank you for your help in this matter.","date_sent_to_company":"2025-05-07T23:20:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98012","tags":null,"has_narrative":true,"complaint_id":"13386127","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-07T23:20:20.000Z","state":"WA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["We went around and around and <em>finally</em> someone found the payment for {$2400.00} in XXXX of XXXX <em>when</em> I contact XXXX. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the XXXX late payments are an <em>error</em>. They have changed account numbers, which Equifax is reporting <em>twice</em>, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place."]},"sort":[13.712738,"13386127"]},{"_index":"complaint-public-v1","_id":"13395805","_score":13.71011,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Dispute Department : I am writing to inform you of a error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). \nAccount Name : XXXX XXXX XXXX Account Number : XXXX and XXXX Description of Dispute : ( I.e. - I never had this card or account number. My account number was XXXX. XXXX is saying that this is a new account because of an internal error. When I talk to them today, XX/XX/XXXX they said the secure card was secured at {$300.00}. They said they would send me the documents by mail within 30 days. XXXX has not sent anything by mail to me. I open the original account with {$2500.00} secured payment. I closed the account in XX/XX/XXXX at the XXXX branch. There was {$2400.00} balance when she closed the account which released {$2500.00} from my checking account to pay the balance. I thought this was done because in the app it showed XXXX on the card and my checking account had {$110.00} dollars left. In XXXX collection agency called me saying this balance was due but they afford a settlement of XXXX. Which I said no this is paid. We went around and around and finally someone found the payment for {$2400.00} in XXXX of XXXX when I contact XXXX. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the 30 late payments are an error. They have changed account numbers, which XXXX  is reporting twice, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place. I have asked for the information multiple times showing that I am wrong and they have not provided it. \n\nNow on XXXX and Transunion it is saying I missed XX/XX/XXXX payment and marked it as 30 days late even though the account has been closed since XXXX. \n\nI am requesting that you remove this information from my credit report for Inaccurracy Thank you for your help in this matter.","date_sent_to_company":"2025-05-07T23:20:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98012","tags":null,"has_narrative":true,"complaint_id":"13395805","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-07T23:20:20.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["We went around and around and <em>finally</em> someone found the payment for {$2400.00} in XXXX of XXXX <em>when</em> I contact XXXX. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the 30 late payments are an <em>error</em>. They have changed account numbers, which XXXX  is reporting <em>twice</em>, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place."]},"sort":[13.71011,"13395805"]},{"_index":"complaint-public-v1","_id":"3292642","_score":13.699378,"_source":{"product":"Debt collection","complaint_what_happened":"I purchased furniture for my daughter and grandson from the XXXX, AL location on XX/XX/XXXX. The store messed up the order THREE times and I had to receive a different ( less expensive bed. ) I finally received the correct shipment/merchandise and was told for my trouble they were reimbursing for the delivery fees. However, I never received a credit for the delivery fees and the invoices were never adjusted to reflect the merchandise that I received. I called repeatedly to customer service, went to the store twice and finally filed a dispute with Mastercard on XX/XX/XXXX for {$360.00} and {$160.00} which were the amounts for delivery fees and partial order. The store disputed the {$360.00} with Mastercard AND also added new charges to my store card : {$220.00} on XX/XX/XXXX ; {$95.00} on XXXX ; {$83.00} on XXXX. I called XXXX to dispute these new charges and was told I had to contact the store. I called customer service first who told me it was between me and the store so I went to the store a third time because I could not believe that the store could put additional charges on my store credit card without my authorization. I could not believe that it was so easy for them to pull my account and add charges and force me to pay for their error. On XXXX when I visited the store, I finally got resolution. I met with \" XXXX '' who printed my invoices and saw where I was overcharged and never issued a refund for the delivery charges. He issued a credit of {$200.00} and {$59.00} to my Mastercard and {$110.00} to my XXXX store credit card. Reference Credit Memos XXXX and XXXX on XX/XX/XXXX. The disputed amounts on my Mastercard were reversed and the merchant received the {$360.00} and {$160.00}. NOW I received a collection notice dated XXXX ( three months after this has been resolved ) which was sent to the delivery address ( not my address ) for {$160.00}. I have attempted to call the number on the notice which is the corporate telephone number XXXX. Five phone calls and all I get is a recording. So here I am AGAIN with XXXX harassing and adding charges and strong-arming the customer to pay for services NOT rendered. And who will be punished? ME and my excellent credit rating. This is absurd that a company as big as XXXX operates in the manner and this needs to be looked into because there are others - just read XXXX Reviews.","date_sent_to_company":"2019-07-01T16:08:15.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"357XX","tags":null,"has_narrative":true,"complaint_id":"3292642","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2019-07-01T15:35:54.000Z","state":"AL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I called repeatedly to customer service, went to the store <em>twice</em> and <em>finally</em> filed a <em>dispute</em> with Mastercard on XX/XX/XXXX for {$360.00} and {$160.00} which were the amounts for delivery fees and partial order. The store <em>disputed</em> the {$360.00} with Mastercard AND also added new charges to my store card : {$220.00} on XX/XX/XXXX ; {$95.00} on XXXX ; {$83.00} on XXXX. I called XXXX to <em>dispute</em> these new charges and was told I had to contact the store."]},"sort":[13.699378,"3292642"]},{"_index":"complaint-public-v1","_id":"13386125","_score":13.677008,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Dispute Department : I am writing to inform you of a error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). \nAccount Name : XXXX XXXX XXXX Account Number : XXXX and XXXX Description of Dispute : ( I.e. - I never had this card or account number. My account number was XXXX. XXXX is saying that this is a new account because of an internal error. When I talk to them today, XX/XX/XXXX they said the secure card was secured at {$300.00}. They said they would send me the documents by mail within 30 days. XXXX has not sent anything by mail to me. I open the original account with {$2500.00} secured payment. I closed the account in XX/XX/XXXX at the XXXX branch. There was {$2400.00} balance when she closed the account which released {$2500.00} from my checking account to pay the balance. I thought this was done because in the app it showed XXXX on the card and my checking account had {$110.00} dollars left. In XXXX collection agency called me saying this balance was due but they afford a settlement of XXXX. Which I said no this is paid. We went around and around and finally someone found the payment for {$2400.00} in XXXX of XXXX when I contact XXXX. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the XXXX late payments are an error. They have changed account numbers, which XXXX is reporting twice, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place. I have asked for the information multiple times showing that I am wrong and they have not provided it. \n\nNow on Equifax and Transunion it is saying I missed XX/XX/XXXX payment and marked it as 30 days late even though the account has been closed since XXXX. \n\nI am requesting that you remove this information from my credit report for Inaccurracy Thank you for your help in this matter.","date_sent_to_company":"2025-05-07T23:20:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98012","tags":null,"has_narrative":true,"complaint_id":"13386125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-07T23:20:20.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["We went around and around and <em>finally</em> someone found the payment for {$2400.00} in XXXX of XXXX <em>when</em> I contact XXXX. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the XXXX late payments are an <em>error</em>. They have changed account numbers, which XXXX is reporting <em>twice</em>, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place."]},"sort":[13.677008,"13386125"]},{"_index":"complaint-public-v1","_id":"11781060","_score":13.67591,"_source":{"product":"Prepaid card","complaint_what_happened":"1. ( 1 of 2 claims I filed ) : Account Number Ending In XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXXXXXX XXXX XXXX XXXX XXXX} 2. ( 2 of 2 claims I filed ) : Account Number Ending In XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Type : Pay Friends-Unauthorized Transfer Date Error Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above mentioned are my two disputed claims. \nMy account was compromised over {$1800.00} was taken out of my account in a XXXX week period I reported my card lost/ stolen on XX/XX/XXXX when I noticed I lost my phone the night before I carried my debit card and drivers license thats the case to my cell phone. I was assured my account was safe my card was deactivated and a replacement was in the process of being sent to me. Well I waited for two weeks and nothing arrived I finally received my cell phone and when I was finally able to log into my mobile banking app for chime I noticed my money was all gone. I reached out to customer service filed a claim ordered a new card and was assured my money was insured and Id receive it within a few days. The next day on the XXXXXXXX XXXX XXXX I received a notification that both claims had been denied. They were two disputes because one was a transfer out of my account to some random person who had my phone and was accessing my account. And the other was for all other transactions of purchases and withdrawals made for XXXX XXXX XXXX I immediately contacted Chime and had them re file my claim and I was denied again. I dont know who had my card n my cellphone I didnt make these charges or transfer I have never had an issue with my account until now for them to state that based on previous transaction history. I have never made a transfer to any one other then my girlfriend for XXXX XXXX  months ago and for them to state my history has made the decision. This unknown transfer out of my account was for {$770.00} to someone I dont know. I filed a police report I provided it to chime and they still have denied my claim they didnt even bother to take the time to investigate my claim for them to deny it twice just one day after it being filed.","date_sent_to_company":"2025-01-26T12:46:47.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"92253","tags":"Servicemember","has_narrative":true,"complaint_id":"11781060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-01-26T12:11:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["1. ( 1 of 2 claims I filed ) : Account Number Ending In XXXX XXXX XXXX XXXX XXXX XXXX  <em>Dispute</em> Type : Debit - Unauthorized Transaction Date <em>Error</em> Reported : XXXXXXXX XXXX XXXX XXXX XXXX} 2. ( 2 of 2 claims I filed ) : Account Number Ending In XXXX XXXX XXXX XXXX XXXX XXXX  <em>Dispute</em> Type : Pay Friends-Unauthorized Transfer Date <em>Error</em> Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above mentioned are my two <em>disputed</em> claims."],"sub_issue":["Card company isn't resolving a <em>dispute</em> about a purchase or transfer"]},"sort":[13.67591,"11781060"]},{"_index":"complaint-public-v1","_id":"4123133","_score":13.599919,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to dispute a billing error in the amount of {$940.00} on my credit reports. The amount is inaccurate. I order a sofa from XXXX XXXX XXXX company on XX/XX/XXXXit was supposed to be delivered onXX/XX/XXXX. I waited a couple weeks after the delivery date before I call them to let them know that I never received the sofa. \n\nI called the furniture store several times and got the run around about when they would delivery the sofa. When I finally spoke with management, he said they tried to delivery it twice. I asked him when and did they call, and he was not able to answer the questions. I told him I did not believe that they would try to deliver furniture without calling to make sure the customer is at home. He was not able to tell me where the sofa was or if they could deliver it again. I told him to cancel the order because of the poor communication and incompetent about the order. He quickly agreed to cancel the order and assure me he would take care of it, I spoke with him onXX/XX/XXXX. When the manager agreed to cancel my order so quickly that was an indication to me that they never tried to deliver this sofa, I am not sure they every order it. \n\nPreferred lease charged me for the furniture twice. I called preferred leasing and told them I never received the furniture, after talking to several people there they all said they was waiting on management to provide the information that the furniture was not delivered to me and to return the money to them. After calling and speaking with several customer services representatives and mangers I concluded that these companies may be running scams or intentionally committing fraud. I have spoken to both companies ; they keep blaming each other and claiming that they are waiting on documentation to prove I did not receive the sofa. \nOnce again it is not hard to prove that something has been purchased and delivered. I am sure both companies know that it does not take 6 months to provide documentation about a transaction for this reason I believe both are involved in scamming and fraudulent activities to consumers. \n\nI called XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX and he claims this is the first time he is hearing about the incident. He told me he would contact his driver and preferred leasing to resolve the issue. However, I have heard this too many times and nothing has been resolved. In the meantime, Preferred Leasing is still reporting to the credits bureaus that this is a delinquent account. \n\nI also was told by management at preferred leasing that they have been getting many complaints from customers about not receiving their merchandise. Once again If you know they are scamming customers why would you continue to do business with them. It is unethical for the company to do business with the furniture company when you are aware, they are scamming consumers. Unless you are part of the scams. \n\nI am requesting that the error be corrected, that any finance and other charges related to the disputed amount be removed from my credit reports, and that I receive an accurate statement it has been resolved. \n\nPlease investigate this matter and correct the billing error as soon as possible. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2021-02-07T23:53:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"75082","tags":null,"has_narrative":true,"complaint_id":"4123133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"C/C Financial","date_received":"2021-02-07T23:40:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>When</em> I <em>finally</em> spoke with management, he said they tried to delivery it <em>twice</em>. I asked him <em>when</em> and did they call, and he was not able to answer the questions. I told him I did not believe that they would try to deliver furniture without calling to make sure the customer is at home. He was not able to tell me where the sofa was or if they could deliver it again. I told him to cancel the order because of the poor communication and incompetent about the order."]},"sort":[13.599919,"4123133"]},{"_index":"complaint-public-v1","_id":"7578698","_score":13.475246,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/2023 - I attempted to purchase a XXXX XXXX XXXX XXXX XXXX device from metrobyt-mobile.com for the fourth time that month, and every time I received an error at the end of the order process, even though the money came out of my account ( it was put back within minutes though ). After the order failed again I called XXXX by XXXX through XXXX on my phone. I spoke with agent XXXX. I asked her if she could place the order for me and she said yes. Her first attempt resulted in an error, so she decided to change my shipping address to match my billing address, telling me she didn't want me to be alarmed when I received texts saying I made changes to my account, and not to worry that she would change it back. Long story short, she didn't. I called XXXX by XXXX XXXX times XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, and twice XX/XX/XXXX, plus XXXX tickets to order support and by the time I reached XXXX, XXXX XXXX he could hear my frustration and he said I should just dispute the charge with my bank. On XX/XX/XXXX, I did dispute it. I didn't dispute it on the XXXX because I was still trying to give XXXX the opportunity to do the right thing. But I finally had enough. I paid {$150.00} on XX/XX/XXXX for a phone I never got, and made it well known I didn't get it, and they still refused to refund or replace the device. My service with them is prepaid. My service was purchased on XX/XX/XXXX and was not due to be paid or shut off until XX/XX/XXXX, but as soon as XXXX saw I disputed the charge of {$150.00} with cash app, they added {$150.00} to my phone account, causing my service to be disconnected. I called and spoke to a supervisor and was told they are not restoring my service or refunding me for the XXXX days I prepaid but lost. On XX/XX/XXXX, cash app did something else with the dispute, and XXXX by XXXX again added {$150.00} making my total due {$300.00}. A few days later I was informed by cash app that my dispute was denied, despite me providing the same information to their support team. I was never given the opportunity to submit documentation to prove my case, only to tell them in my own words what had happened, which I did, and made it very clear including all of the dates I had called trying to resolve this and the id number of the person I spoke to each time. and when I finally got a response from XXXX by XXXX and asked cash app support if I could provide them with documentation that had just come available that supports my dispute they told me no. They also said they would provide me the documents they relied on to come to their conclusion that no error had occurred, and that ( in their words ) \" the merchant had fulfilled all of his or her obligations '', which is a bold-faced lie, but I still have not received those documents from cash app, nor have I received a refund from XXXX by XXXX or a replacement device or refunded for the XXXX days of service. They have still not provided me with the documentation, despite asking them for it a few times already. They keep asking me what is the best email to reach me at and telling me to check my spam and all folders, but I have not received any documents. \n\nI want to make it known that I understand that the consumer financial protection bureau does not and will not handle any of the matters regarding XXXX by XXXX. Those details are included because without them I would not have been able to demonstrate what my issue with cash app is. I provided as little detail here as I could, but I am going right after I submit my complaint here to submit as many full-length complaints that I can about the issues with XXXX by XXXX. I have a ton of documentation to support my claims, and I am submitting them with this complaint because they overwhelmingly prove beyond a shadow of a doubt that XXXX by XXXX did not fulfill their obligations and they were well aware of the fact they didn't. I don't know what is going on lately, but I have never experienced this level of shadiness by not only XXXX, but XXXX businesses. It almost feels like they are colluding together. i understand that they likely are not, but something certainly is not right. \n\nI want my {$150.00} back. I am also submitting a screenshot showing the transactions with XXXX on XX/XX/XXXX, because it is interesting to me that when I attempted to order the device online, it was {$170.00}, and the first time the agent attempted to order for me it was {$150.00}, but when she got the charge to go through it was for {$150.00}, even though she specifically told me {$150.00}. I really just ant my money back, though. And for cash app to have to take a look at the documentation I submit so they can see that clearly they did not fulfill their obligation. They robbed me, and continue to try to further extort me, and cash app basically gave them the seal of approval to keep doing it. \n\nI did already file a claim with the FCC, although I have not heard back from them on this issue.","date_sent_to_company":"2023-09-21T01:18:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33543","tags":null,"has_narrative":true,"complaint_id":"7578698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-09-20T23:44:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I called XXXX by XXXX XXXX times XX/XX/XXXX, <em>twice</em> XX/XX/XXXX, once XX/XX/XXXX, <em>twice</em> XX/XX/XXXX, <em>twice</em> XX/XX/XXXX, and <em>twice</em> XX/XX/XXXX, plus XXXX tickets to order support and by the time I reached XXXX, XXXX XXXX he could hear my frustration and he said I should just <em>dispute</em> the charge with my bank. On XX/XX/XXXX, I did <em>dispute</em> it. I didn't <em>dispute</em> it on the XXXX because I was still trying to give XXXX the opportunity to do the right thing. But I <em>finally</em> had enough."]},"sort":[13.475246,"7578698"]},{"_index":"complaint-public-v1","_id":"13386252","_score":13.364519,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Dispute Department : I am writing to inform you of a error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). \nAccount Name : XXXX XXXX XXXX Account Number : XXXX and XXXX Description of Dispute : ( I.e. - I never had this card or account number. My account number was XXXX. KeyBank is saying that this is a new account because of an internal error. When I talk to them today, XX/XX/XXXX they said the secure card was secured at {$300.00}. They said they would send me the documents by mail within 30 days. KeyBank has not sent anything by mail to me. I open the original account with {$2500.00} secured payment. I closed the account in XX/XX/XXXX at the XXXX branch. There was {$2400.00} balance when she closed the account which released {$2500.00} from my checking account to pay the balance. I thought this was done because in the app it showed XXXX on the card and my checking account had {$110.00} dollars left. In XXXX collection agency called me saying this balance was due but they afford a settlement of XXXX. Which I said no this is paid. We went around and around and finally someone found the payment for {$2400.00} in XXXX of XXXX when I contact KeyBank. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the XXXX late payments are an error. They have changed account numbers, which XXXX is reporting twice, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place. I have asked for the information multiple times showing that I am wrong and they have not provided it. \n\nNow on XXXX  and XXXX  it is saying I missed XX/XX/XXXX payment and marked it as 30 days late even though the account has been closed since XXXX. \n\nI am requesting that you remove this information from my credit report for Inaccurracy Thank you for your help in this matter.","date_sent_to_company":"2025-05-07T23:20:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98012","tags":null,"has_narrative":true,"complaint_id":"13386252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2025-05-07T23:02:42.000Z","state":"WA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["We went around and around and <em>finally</em> someone found the payment for {$2400.00} in XXXX of XXXX <em>when</em> I contact KeyBank. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the XXXX late payments are an <em>error</em>. They have changed account numbers, which XXXX is reporting <em>twice</em>, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place."]},"sort":[13.364519,"13386252"]},{"_index":"complaint-public-v1","_id":"2832109","_score":13.331328,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I visited the XXXX XXXX in XXXX, WA on XX/XX/XXXX and purchase {$94.00} worth of groceries. During payment, there was a computer failure. I was assured that the charge did not process and the store ran my card a second time on another machine. A month later, when I received my credit card bill, I found that I had actually been charged twice for the groceries. I tried calling the store multiple times to resolve the issue and was unable to reach anyone. I attempt to file a dispute with Chase Bank via their website multiple times during the month of XX/XX/XXXX, but failed due to website errors. Multiple email requests for support were ignored. \n\nFinally, on XX/XX/XXXX I called and submitted a dispute request via phone. I received no written confirmation about the dispute so I called back two days later, on XX/XX/XXXX to confirm that the dispute had been filed. They had no record of the dispute so I went through and filed the dispute a second time while on the phone. Again, I received no written confirmation and no indication on my bill that my dispute had been filed. However, in subsequent phone calls on XX/XX/XXXX and XX/XX/XXXX, I confirmed the dispute existed and was told it was being investigated. After receiving no resolution to my dispute within the legally mandated XXXX billing cycles, I called again on XX/XX/XXXX to check on the status. I was told this time that there was no record of the dispute and that too much time had passed since the initial transaction for a dispute to be filed. When I mentioned again that I had filed the dispute initially on XX/XX/XXXX, the customer service representative suddenly changed his mind and decide to open yet another dispute for this charge. I have been assured that this matter will be resolved within 30 days. However, given the past failures of Chase to properly handle this case and their failure to meet their legal obligation to resolve the dispute within a timely manner, I feel it is necessary to escalate this issue to the CFPB.","date_sent_to_company":"2018-03-04T20:20:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98122","tags":null,"has_narrative":true,"complaint_id":"2832109","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-03-04T20:02:33.000Z","state":"WA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["A month later, <em>when</em> I received my credit card bill, I found that I had actually been charged <em>twice</em> for the groceries. I tried calling the store multiple times to resolve the issue and was unable to reach anyone. I attempt to file a <em>dispute</em> with Chase Bank via their website multiple times during the month of XX/XX/XXXX, but failed due to website <em>errors</em>. Multiple email requests for support were ignored. \n\n<em>Finally</em>, on XX/XX/XXXX I called and submitted a <em>dispute</em> request via phone."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.331328,"2832109"]},{"_index":"complaint-public-v1","_id":"4116749","_score":12.91071,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So, over the last 6-12 months, I have been active in disputing XXXX XXXX Account # XXXX XXXX  Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. \n\nXXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for transUnion it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX  says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. \n\nI also saw another account from XXXX Account XXXX that states that this account was \" certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. \n\nAlso, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. \n\nXXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.","date_sent_to_company":"2021-02-04T18:24:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30097","tags":null,"has_narrative":true,"complaint_id":"4116749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-04T18:10:54.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Moreover, the payment history is in <em>error</em> and I have tried to <em>dispute</em> with this with XXXX and XXXX but to no avail they did nothing."]},"sort":[12.91071,"4116749"]},{"_index":"complaint-public-v1","_id":"4116846","_score":12.895397,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So, over the last 6-12 months, I have been active in disputing XXXX XXXX Account # XXXX XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. \n\nXXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. \n\nI also saw another account from XXXX Account XXXX that states that this account was \" certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. \n\nAlso, XXXX  : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. \n\nXXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.","date_sent_to_company":"2021-02-04T18:25:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30097","tags":null,"has_narrative":true,"complaint_id":"4116846","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-02-04T18:25:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Moreover, the payment history is in <em>error</em> and I have tried to <em>dispute</em> with this with XXXX and XXXX but to no avail they did nothing."]},"sort":[12.895397,"4116846"]},{"_index":"complaint-public-v1","_id":"4116770","_score":12.895397,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So, over the last 6-12 months, I have been active in disputing XXXX XXXX  Account # XXXX XXXX  Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. \n\nXXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. \n\nI also saw another account from XXXX Account XXXX that states that this account was \" certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. \n\nAlso, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. \n\nXXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.","date_sent_to_company":"2021-02-04T18:25:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30097","tags":null,"has_narrative":true,"complaint_id":"4116770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2021-02-04T18:25:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Moreover, the payment history is in <em>error</em> and I have tried to <em>dispute</em> with this with XXXX and XXXX but to no avail they did nothing."]},"sort":[12.895397,"4116770"]},{"_index":"complaint-public-v1","_id":"21760054","_score":12.833921,"_source":{"product":"Debt collection","complaint_what_happened":"Harris and Harris Ltd. Calls daily- sometimes twice a day, and leaves automated voicemails to call back, but no specific information. I have tried calling the number back and always get an error.\n\nI assume they are calling regarding medical debt from a hospital stay x 1 week XXXX XXXX XXXX, because that is the only debt I have, however I have spoken to XXXX ( the original company whom I owe roughly {$5200.00} to ) in person at subsequent XXXX XXXX appointments and via XXXX, to let them know that I am waiting on my critical illness check to arrive ( should be within a week or so ), so I can pay them. In person, the woman I spoke with said \" no worries, I'll make a note here in your account so they know and won't bother you anymore ''. Bit it seems they did not communicate that with the collections agency, and I continue to be harassed daily. \n\nThey also did not disclose that the calls were due to debt, so I ignored them thinking it was a scam for the first few months. Nor did they send anything written, or disclose my right to dispute the debt. \n\nI don't want this to affect my credit and want them to stop calling me. I also heard there is a possible financial award to people in my position ( which I found out about when I finally googled the company to figure out who they were/what they wanted/ how I can make them stop calling ). \n\nThanks, XXXX XXXXXXXX XXXX XXXX","date_sent_to_company":"2026-04-30T19:02:05.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"20147","tags":null,"has_narrative":true,"complaint_id":"21760054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2026-04-30T18:31:47.000Z","state":"VA","company_public_response":null,"sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["Calls daily- sometimes <em>twice</em> a day, and leaves automated voicemails to call back, but no specific information. I have tried calling the number back and always get an <em>error</em>."]},"sort":[12.833921,"21760054"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":195,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":195}]}},"product":{"doc_count":195,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":50,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":49},{"key":"Credit repair services","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":31,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":23},{"key":"Government benefit card","doc_count":4},{"key":"Store credit 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